Take charge of your financial future

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Take charge of your financial future"

Transcription

1 Take charge of your financial future with UniSuper Advice November 2009 ADVICE

2 Are you looking for a financial advice service you can trust? Introducing UniSuper Advice. From the day you become a UniSuper member, we work with you to provide a wide range of informational seminars and online tools all designed to help you reach your retirement goals. Now with the launch of our new UniSuper Advice department (within UniSuper Management Pty Ltd), we can also provide you with personalised, professional advice to help make sure that you re well placed to achieve all your financial objectives no matter what they are, all throughout your life. Our advisers will spend time with you assessing your financial goals and values, to ensure that they are able to deliver strategies that suit your needs and your desired lifestyle. With strategies to help you get the most out of your money, our advisers can help with guidance on your super, retirement planning needs, wealth creation strategies and insurance.

3 Advice for any age or life stage The UniSuper Advice service has been specifically tailored to serve UniSuper members and their needs. As a result you don t have to be nearing retirement, have a family or be wealthy to benefit from this service. Our advice team can professionally provide you with guidance on a range of topics, including: strategies to help you pay off debt faster superannuation, investment options, insurances retirement planning non-super investments for short and long term goals insurance from income protection to life insurance and TPD. To achieve this, we continually analyse and research a wide range of products from various providers to ensure that we are able to recommend solutions that best fit your needs. No commissions = greater value for you To ensure that the advice we give you is focused on your goals, our advisers are salaried and do not receive commissions - so they are compensated on how well they serve you, not what they sell you. Wherever possible, we will only recommend financial products and services that have no commissions, or allow your adviser to reduce any commissions to zero. Where this is not possible and UniSuper Management Pty Ltd does receive commissions, UniSuper Management Pty Ltd will rebate those commissions directly to you.

4 The cost of a Statement of Advice will usually be between $125 and $4,000 depending on complexity, the time we spend gathering information about your personal and financial needs, developing and researching the recommendations and preparing your Statement of Advice. For example Simple Advice Telephone advice relating to issues, such as super splitting, spouse contributions, or insurance, investment choice and salary sacrifice within UniSuper. Comprehensive Advice Face-to-face comprehensive advice relating to issues, such as superannuation retirement planning, wealth creation (including non-super) or personal insurances. $125 or $330 plus GST Between $750 and $4,000 plus GST depending upon complexity. Note: Super-related advice fees can be deducted from member accounts up to $500 per member. For any ongoing or other advice, UniSuper Advice will charge an hourly rate of up to $250 per hour and will provide an estimation of the time necessary to complete the work in advance.

5 Your questions answered Is UniSuper Advice available to all members across Australia? Irrespective of where you live, should you need simple, limited advice on your superannuation, our phone-based Financial Advice Centre is able to help. For those members with more complex or comprehensive needs, our face-to-face UniSuper Advice service is already available in Victoria, New South Wales and Queensland. Members in Western Australia, South Australia and Australian Capital Territory will have access to UniSuper Advice progressively from early Advisers are generally located in central, metropolitan offices but will travel to campuses and regional areas regularly. What are the turnaround times? For a phone consultation, you will be booked in for an outbound phone advice appointment within 10 days and the Statement of Advice would follow up to 5 days later. For face-to-face advice, formulation of a Statement of Advice would take approximately 15 working days from the day all your relevant information is given to the adviser. To find out more, or make an appointment: Give us a call on or visit

6 ADVICE Contact us Helpline Website Facsimile (03) Level 37, 385 Bourke Street Melbourne VIC 3000 Unisuper Management Pty Ltd ABN Australian Financial Services (AFS) Licence No Important information: Prepared and issued: on behalf of UniSuper Management Pty Ltd. ABN AFSL No This information is of a general nature only and does not take into account your personal objectives, financial situation or needs. Before making an investment decision, you should speak to a financial adviser to consider whether this information is appropriate to your needs, objectives and circumstances. You should read this information in conjunction with the relevant Product Disclosure Statement where this is applicable. UNIS

Why UniSuper? A snapshot of benefits

Why UniSuper? A snapshot of benefits Why UniSuper? A snapshot of benefits About us When you join UniSuper, you ll be part of one of Australia s largest super funds. We re run exclusively to provide higher education and research employees

More information

FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice

FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice FINANCIAL SERVICES FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice YOUR FINANCIAL FREEDOM At Catholic Financial Services, we help you achieve financial freedom.

More information

Financial Planning 1 July 2014

Financial Planning 1 July 2014 Financial Planning 1 July 2014 Financial Services Guide Equip Financial Planning 1800 065 753 www.equipsuper.com.au Financial Services Guide Find out how to achieve financial freedom This Financial Services

More information

Financial Services. Guide

Financial Services. Guide Financial Services Guide About us The Local Government Superannuation Scheme (Pool A ABN 74 925 979 278) (Pool B ABN 28 901 371 321) is managed and controlled by LGSS Pty Limited (ABN 68 078 003 497).

More information

Freelancers, the self-employed & super.

Freelancers, the self-employed & super. YOUR SUPER Freelancers, the self-employed & super. If you are self-employed or a freelance or contract worker Media Super can help you understand your super and tax options, and what you can do to maximise

More information

Financial ServiceS Guide

Financial ServiceS Guide Financial ServiceS Guide Your Service Provider is: Graham Financial Pty Ltd ABN 40 099 693 606 Australian Financial Services Licence Number: 327520 Membership: Financial Planning Association Pty Ltd Boutique

More information

Self Managed Super Funds

Self Managed Super Funds a guide to Self Managed Super Funds a guide to Self Managed Super Funds 1 disclaimer This ebook has been prepared by EJM Financial Services in conjunction with AMP Financial Planning Pty Limited, ABN 89

More information

SENTRY WEALTH MANAGEMENT. Financial Services Guide Part One

SENTRY WEALTH MANAGEMENT. Financial Services Guide Part One SENTRY WEALTH MANAGEMENT Financial Services Guide Part One Introduction This Financial Services Guide (FSG) is issued with the authority of Sentry Wealth Management Pty Ltd ABN 77 103 642 888 Australian

More information

Renew and upgrade your equipment. Equipment Finance

Renew and upgrade your equipment. Equipment Finance Renew and upgrade your equipment Equipment Finance Equipment that operates at peak performance is important to your practice s success. Old equipment can be costly to service and equipment down time can

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL FACT FIND PARKHILL FINANCIAL PLANNING PTY LTD FINANCIAL SERVICES GUIDE Authorised Representative of INTEGRITY FINANCIAL PLANNERS PTY LTD Authorised and issued by Integrity Financial Planners

More information

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 This update to the Plum Superannuation Fund Product Disclosure Statement is provided as a result

More information

RETIREMENT PLANNING. Your guide to I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH.

RETIREMENT PLANNING. Your guide to I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH. Your guide to RETIREMENT PLANNING I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH. DANIEL CLIFFORD, COMBINED SUPER MEMBER Contents > Plan your retirement

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Date of issue: 1 Jan 2015 This Financial Services Guide (FSG) is an important document. Please ensure that you read this FSG carefully. It is provided by Club Plus Financial Planning

More information

Making the Most of Your Super

Making the Most of Your Super Making the Most of Your Super For many people, super is one of the best ways to accumulate wealth. The Government provides tax benefits to encourage people to fund their own retirement. With more Australians

More information

Make it real. With a ME Bank First Home Saver Account.

Make it real. With a ME Bank First Home Saver Account. Make it real. With a ME Bank First Home Saver Account. Welcome to ME Bank ME Bank was specifi cally created to provide everyday Australians with innovative, value for money banking services. We pride ourselves

More information

Life Insurance and Super Pty Ltd ( Life and Super ) ( LIAS )

Life Insurance and Super Pty Ltd ( Life and Super ) ( LIAS ) Financial Services Guide (FSG) Part 1 Life Insurance and Super Pty Ltd ( Life and Super ) ( LIAS ) Australian Financial Services Licence (AFSL: 405456) This Financial Services Guide Version 1.1: 01 November

More information

Building and protecting your wealth the tax effective way

Building and protecting your wealth the tax effective way Building and protecting your wealth the tax effective way Strategies guide 2014/2015 The lead up to End of Financial Year (EOFY) provides a good opportunity to review your wealth creation plans. At this

More information

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme Member Booklet: RBF Tasmanian Accumulation Scheme Information in this booklet is current as at 1 July 2015 Table of contents About the RBF Tasmanian 2 Accumulation Scheme How super works Benefits of investing

More information

Changes to insurance in the IAG & NRMA Superannuation Plan

Changes to insurance in the IAG & NRMA Superannuation Plan Changes to insurance in the IAG & NRMA Superannuation Plan As an accumulation member of the IAG & NRMA Superannuation Plan, you and your family can gain real peace of mind and financial security from knowing

More information

Concept One Superannuation Plan and The Industry Superannuation Fund will merge to form. Concept ne

Concept One Superannuation Plan and The Industry Superannuation Fund will merge to form. Concept ne Prepared: 9 November 2012 SIGNIFICANT EVENT NOTICE On 22 February 2013 The Industry Superannuation Fund (TISF) will merge with the Concept One Superannuation Plan (Concept One) and this will result in

More information

Financial Services Guide. Bank of Melbourne Financial Planning

Financial Services Guide. Bank of Melbourne Financial Planning Financial Services Guide Bank of Melbourne Financial Planning Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence No. 233714 Australian

More information

Financial services guide

Financial services guide Financial services guide The Financial Services referred to in this guide are offered by: Dixon Advisory & Superannuation Services Ltd ABN 54 103 071 665 AFSL 231143 A hard copy of this document is available

More information

FINANCIAL SERVICES GUIDE (FSG)

FINANCIAL SERVICES GUIDE (FSG) FINANCIAL SERVICES GUIDE (FSG) This Financial Services Guide ( FSG ) must be read in conjunction with the Authorised Representative Profile or Adviser Profile. Together these two documents form the full

More information

Financial Services & Credit Guide

Financial Services & Credit Guide Financial Services & Credit Guide Dated: 1 June 2014 Version 10 This Financial Services and Credit Guide is issued by your Adviser with the authority of Easton Wealth Australia Ltd. Details of your Adviser

More information

Issued September 2015. Salary Sacrifice. Salary Sacrifice. Grow your super. and pay less tax

Issued September 2015. Salary Sacrifice. Salary Sacrifice. Grow your super. and pay less tax Issued 12 Salary December 10 Sacrifice Salary Sacrifice Issued September 2015 Grow your super and pay less tax What is salary sacrifice? Salary sacrifice is an arrangement with your employer to pay part

More information

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778 Retirement made easy Helping you achieve your retirement goals rest.com.au/restpension 1300 305 778 Helping you achieve your retirement goals As you near retirement you probably have a number of questions

More information

Log into online internet banking, eg www.commbank.com.au. Select the Bpay option and provide the relevant information where required.

Log into online internet banking, eg www.commbank.com.au. Select the Bpay option and provide the relevant information where required. Bpay users 1 Log into online internet banking, eg www.commbank.com.au. 2 Select the Bpay option and provide the relevant information where required. The tables below contain the relevant biller codes for

More information

Your best back-up tool is insurance.

Your best back-up tool is insurance. Your best back-up tool is insurance. Insurance for tradespeople Presented by ACF Planning PTY LTD ABN 70154714119 as Authorised Representative No 415700 for Australian Capital Financial Planning ABN 34

More information

Supplementary Financial Services Guide

Supplementary Financial Services Guide Supplementary Financial Services Guide Dated 27 July 2015 This Supplementary Financial Services Guide (SFSG) supplements Version. February 2015 of the Crowe Horwath Financial Advice Pty Ltd Financial Services

More information

Fees and costs. Accumulation 1 and Spouse Account members. Inside. A A Queensland University of Technology

Fees and costs. Accumulation 1 and Spouse Account members. Inside. A A Queensland University of Technology Fees and costs Accumulation 1 and Spouse Account members The information in this document forms part of the UniSuper Accumulation 1 Product Disclosure Statement and the UniSuper Spouse Account Product

More information

Super Saver Induction Booklet

Super Saver Induction Booklet VISION SUPER YOUR INDUSTRY SUPER FUND Super Saver Induction Booklet December 2013 99 Low fees and great value for money 99 Automatic Income Protection and Death & Disability cover 99 No commissions or

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Issued on 27 April 2012 Helping you make the most of life Financial Services and Credit Guide RI Advice Group Pty Ltd ABN 23 001 774 125 Australian Financial Services Licence 238429 Australian Credit Licence

More information

Financial Services Guide

Financial Services Guide Ian Henry Financial Services Office 2, 253 Hampton Street Hampton Victoria 3188 P O Box 41 Hampton Victoria 3188 Telephone: (03) 9521 0303 Fax: (03) 9521 0107 Email: ianhenry@financialservices.net.au Website:

More information

Planning for retirement

Planning for retirement Planning for retirement 1 Disclaimer This presentation contains general advice current as at April 2016 and has been prepared without taking account of your objectives, financial situation or needs. Before

More information

financial services guide ipac financial planning

financial services guide ipac financial planning financial services guide ipac financial planning The financial services guide (FSG) helps you to understand who ipac securities limited (ipac) ABN 30 008 587 595 Australian Financial Services Licence No.

More information

This Financial Services Guide Version 3: 23 November 2012, refers to services offered by:

This Financial Services Guide Version 3: 23 November 2012, refers to services offered by: This Financial Services Guide Version 3: 23 November 2012, refers to services offered by: Fluid Financial Planning Pty Ltd Level 1 5 Ridge Street North Sydney NSW 2060 ABN: 85 140 515 680 Australian Financial

More information

Keep your exclusive membership if you leave employment with the Group

Keep your exclusive membership if you leave employment with the Group GPO Box 4758 Sydney NSW 2001 Telephone 1800 023 928 Facsimile (02) 9303 7700 oursuperfund.com.au Keep your exclusive membership if you leave employment with the Group Dear Member For more than 95 years,

More information

Super funds may appear the same. This checklist may help you compare what your employer provides, with other funds.

Super funds may appear the same. This checklist may help you compare what your employer provides, with other funds. Super funds may appear the same. This checklist may help you compare what your employer provides, with other funds. There are no forms to complete if you join your employer fund. You ll simply be enrolled

More information

to a better retirement A Are you ready to retire? Inside What will your retirement look like? Planning your retirement A How UniSuper can help

to a better retirement A Are you ready to retire? Inside What will your retirement look like? Planning your retirement A How UniSuper can help Your guide to a better retirement July 2015 Inside A Are you ready to retire? A What will your retirement look like? Planning your retirement A How UniSuper can help Virginia Laurinaitis, who previously

More information

The ins and outs of self-managed super

The ins and outs of self-managed super The ins and outs of self-managed super Everyone likes to be in control of their own destiny particularly when it comes to finances. Running your own super fund and therefore taking complete control over

More information

Financial Services Guide

Financial Services Guide Financial Services Guide / 1 Commonwealth Private Financial Services Guide Date of issue: 22 June 2015 Issue 10 Commonwealth Private Limited ABN 30 125 238 039 AFSL 314018 Registered office: Ground Floor,

More information

Financial Services Guide part one

Financial Services Guide part one SENTRY Financial Planning Financial Services Guide part one Financial Services Guide - Part One Introduction This Financial Services Guide (FSG) is issued with the authority of Sentry Financial Planning

More information

Your guide to. retirement planning. I ve been transitioning to retirement for four years. It gives me tax savings and access to extra cash.

Your guide to. retirement planning. I ve been transitioning to retirement for four years. It gives me tax savings and access to extra cash. Your guide to retirement planning I ve been transitioning to retirement for four years. It gives me tax savings and access to extra cash. DANIEL CLIFFORD, COMBINED SUPER MEMBER Contents > Plan your retirement

More information

Nestlé Australia Group Superannuation Fund

Nestlé Australia Group Superannuation Fund Nestlé Australia Group Superannuation Fund Information about your super Greg Hughes - Russell Investments What we are going to talk about today.. How to find out more about your super In particular: Your

More information

Financial Services Guide

Financial Services Guide Page 1 of 13 Financial Services Guide Financial plans are worthless, but the process of financial planning is vital. A plan assumes that you know what s going to happen even though you don t. By contrast,

More information

ENTERPRISE SUPER MEMBERS GUIDE. EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012

ENTERPRISE SUPER MEMBERS GUIDE. EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012 ENTERPRISE SUPER EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012 Enterprise Super is a division of General Retirement Plan, ABN 32 894 907 884 PO Box 1282, Albury NSW

More information

Fees and costs. Fees and costs

Fees and costs. Fees and costs Issue date: 1 July 2016 and costs Industry super funds like REI Super are run only to benefit members, which means they charge low fees and return all investment earnings to members accounts. Did you know?

More information

Bendigo Financial Planning. Financial Services Guide. 13 July 2015

Bendigo Financial Planning. Financial Services Guide. 13 July 2015 Bendigo Financial Planning. Financial Services Guide. 13 July 2015 1 Introduction This Financial Services Guide (FSG) is designed to provide you with a clear understanding of what you can expect as a customer

More information

Financial Services Guide. Westpac Financial Planning

Financial Services Guide. Westpac Financial Planning Financial Services Guide Westpac Financial Planning Table of contents 1. The value of this Financial Services Guide... 1 2. About the Westpac Group... 1 3. Financial Planning with Westpac... 1 4. What

More information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 1.0 August 2014 Michael Peel Lanyon Partners Private Wealth AFSL 228914 ABN 77 085 878 897 Level 1, 971 Burke Road, CAMBERWELL VIC 3124 phone (03) 9861 6100 fax (03) 8678

More information

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778 Retirement made easy Helping you achieve your retirement goals rest.com.au/restpension 1300 305 778 Helping you achieve your retirement goals As you near retirement you probably have a number of questions

More information

Notice of intent. Fact sheet and form. What this fact sheet covers. Who is this fact sheet for? When should I complete a notice of intent?

Notice of intent. Fact sheet and form. What this fact sheet covers. Who is this fact sheet for? When should I complete a notice of intent? Fact sheet and form Notice of intent A notice of intent to claim or vary a deduction for personal super contributions (notice of intent) allows you to claim a tax deduction for your personal contributions,

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE A GUIDE TO OUR RELATIONSHIP WITH YOU AND OTHERS This Financial Services Guide (FSG) is designed to assist you in deciding whether to use the services of Entrust Private Wealth

More information

Suncorp Financial Services

Suncorp Financial Services Suncorp Financial Services Financial Services Guide A guide to our relationship with you and others Prepared: 22 July 2015 Effective 24 August 2015 Important Information about this document This document

More information

Financial advice makes a difference

Financial advice makes a difference Bridges Financial advice makes a difference Financial advice makes a difference Advice from a Bridges financial planner will help you have confidence in the decisions you make. Financial advice makes a

More information

Financial Services Guide

Financial Services Guide Level 7,34 Charles St Parramatta NSW 2150 PO Box 103 Parramatta NSW 2124 Phone: 02 9687 1966 Fax: 02 9635 3564 Web: www.carnegiefin.com.au Guide Build Protect Manage Wealth Financial Services Guide This

More information

Defence Bank Super Type of fee Amount How and when paid

Defence Bank Super Type of fee Amount How and when paid Fees and Costs This fact sheet details all the fees and costs that may apply to your account. It s designed to be read in conjunction with the Product Disclosure Statement and is subject to review from

More information

St.George Financial Planning. Financial Services Guide

St.George Financial Planning. Financial Services Guide St.George Financial Planning Financial Services Guide Issue date: 1 July 2013 Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Effective from 1 July 2013 Defence Bank Limited Financial Services Guide (FSG) This FSG is an important document designed to: > > Assist you to decide whether to use any of our

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Effective from 1 April 2012 Defence Bank Limited Financial Services Guide (FSG) This FSG is an important document designed to: Assist you to decide whether to use any of our financial

More information

Defined Benefit Division and Accumulation 2

Defined Benefit Division and Accumulation 2 Defined Benefit Division and Accumulation 2 Product Disclosure Statement Issued 1 October 2015 by UniSuper Limited ABN 54 006 027 121 A A DBD member, Associate Professor Elizabeth Koch OAM, Elder Conservatorium

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Virgin Money (Australia) Pty Limited ( VMA ) ABN 75 103 478 897 Authorised Representative Number 280884 & TAL Direct Pty Limited ( TAL ) ABN 39 084 666 017 Australian Financial

More information

How super is taxed. Inside. Accumulation 1 and Spouse Account members. The University of Melbourne THIS DOCUMENT WAS PREPARED ON 1 OCTOBER 2015.

How super is taxed. Inside. Accumulation 1 and Spouse Account members. The University of Melbourne THIS DOCUMENT WAS PREPARED ON 1 OCTOBER 2015. How super is taxed Accumulation 1 and Spouse Account members The information in this document forms part of the UniSuper Accumulation 1 Product Disclosure Statement and UniSuper Spouse Account Product

More information

financial services guide ipac financial planning

financial services guide ipac financial planning financial services guide ipac financial planning The financial services guide (FSG) helps you to understand who ipac securities limited (ipac) ABN 30 008 587 595 Australian Financial Services Licence No.

More information

financial services guide

financial services guide financial services guide effective 1 april 2012 mecu Limited ABN 21 087 651 607 AFSL/Australian Credit Licence Number 238431 trading as bankmecu Information in this brochure is current as at the above

More information

Financial Services with a Personal Touch

Financial Services with a Personal Touch Financial Services with a Personal Touch CONCESSIONAL CONTRIBUTIONS CAP Concessional contributions include: employer contributions (including contributions made under a salary sacrifice arrangement) personal

More information

IT Contracting Options

IT Contracting Options IT Contracting Options RIGHT PEOPLE! RIGHT PLACE! RIGHT OPTION! Welcome to Paxus! Australia s 1 st choice for IT people! We have been placing IT people since 1973 and our focus hasn t changed. You can

More information

A guide to understanding your super

A guide to understanding your super A guide to understanding your super For Ambulance Victoria operational employees Proudly serving our members Issued May 2015 Issued by the Emergency Services Superannuation Board ABN 28 161 296 741 as

More information

Credit Guide. Anne Street Partners Home Loans Pty Ltd

Credit Guide. Anne Street Partners Home Loans Pty Ltd Credit Guide Anne Street Partners Home Loans Pty Ltd A guide to our relationship with you and other parties This Credit Guide contains important infomation about: Who we are and the services we provide

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE This Financial Services Guide ( FSG ) explains Astute Advisory Services Pty Ltd ( AAS ) financial services offering. It is a legal requirement that you must be provided with an

More information

FINANCIAL SERVICES GUIDE 4 March 2015

FINANCIAL SERVICES GUIDE 4 March 2015 Web: www.dmgfinancial.com.au e-mail: fp@dmgfinancial.com.au FINANCIAL SERVICES GUIDE 4 March 2015 This Financial Services Guide (FSG) is an important document which we must give you under the requirements

More information

Contributions. Contributions table. Defence Bank Super

Contributions. Contributions table. Defence Bank Super Contributions This fact sheet provides more detailed information about the different contributions that may be made into your super account in the 2015/2016 and 2016/2017 financial years, based on laws

More information

COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE.

COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE. COMMINSURE HOME INSURANCE PREMIUM, EXCESS AND DISCOUNT GUIDE. This document provides you with information to help you understand how your total premium has been calculated, discounts that are available

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Authorised for distribution by: Eastwoods Wealth Management Pty Ltd trading as Beyond Bank Australia Wealth Management ABN 17 008 167 002 Australian Financial Services Licensee 237853 62 The Parade, Norwood

More information

Group Insurance for Employer Super

Group Insurance for Employer Super Group Insurance for Employer Super Reference Guide INFORMATION FOR ADVISERS ONLY Introduction The intention of this booklet is to provide advisers with: general information on Automatic Acceptance Limits

More information

FINANCIAL SERVICES GUIDE PART 1

FINANCIAL SERVICES GUIDE PART 1 FINANCIAL SERVICES GUIDE PART 1 9 NOVEMBER 2015 This Financial Services Guide has been authorised for distribution by the authorising licensee: Magnitude Group Pty Ltd ( Magnitude ) ABN 54 086 266 202

More information

Financial Services Guide

Financial Services Guide Financial Guide Professional A member of The purpose of this Financial Guide (FSG) is to help you make an informed decision about the services we offer and whether they are suited appropriately to meet

More information

Financial Services Guide. Anne Street Partners Financial Services Pty Ltd

Financial Services Guide. Anne Street Partners Financial Services Pty Ltd Financial Services Guide Anne Street Partners Financial Services Pty Ltd Financial Services Guide (FSG) Anne Street Partners Financial Services Pty Ltd ABN 25 107 671 563. Level 14, 383 Kent Street, Sydney

More information

Taking the mystery out of salary sacrifice

Taking the mystery out of salary sacrifice Hostplus Salary Sacrifice August 2015 Taking the mystery out of salary sacrifice Learn how you can pay less tax, get more super and make a big difference to your future Welcome Thinking about how you can

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement Supplementary Product Disclosure Statement Defined Benefit Division and Accumulation 2 Product Disclosure Statement Date issued: 1 July 2015 This Supplementary Product Disclosure Statement (SPDS) adds

More information

Interworx Wealth Management. Financial services guide. Who is Charter Financial Planning? Version 10.1 August 2009. Our qualified financial advisers

Interworx Wealth Management. Financial services guide. Who is Charter Financial Planning? Version 10.1 August 2009. Our qualified financial advisers Inter wor x Wealth M anagement Choon Kwa Inter wor x Wealth Management Inter wor x Wealth M anagement 250075 C hoon Kwa Version 10.1 August 2009 Financial services guide This guide contains information

More information

Financial Services Guide Effective 1 August 2009

Financial Services Guide Effective 1 August 2009 Financial Services Guide Effective 1 August 2009 stuff you should know About this document This Financial Services Guide (FSG) is an important document which contains information intended to assist you

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) $ FINANCIAL SERVICES GROUP mybroker Financial Services Group (ASIC No. 434770) Financial Services Guide (FSG) Version November 2012 www.mybrokerservices.com.au mybroker Financial Services Group FSG The

More information

DULWICH GROUP SERVICES PTY LTD FINANCIAL SERVICES GUIDE Dated 5 th March 2015, Version 1.3

DULWICH GROUP SERVICES PTY LTD FINANCIAL SERVICES GUIDE Dated 5 th March 2015, Version 1.3 DULWICH GROUP SERVICES PTY LTD FINANCIAL SERVICES GUIDE Dated 5 th March 2015, Version 1.3 Dulwich Group Services Pty Ltd Trading as Johnston Grocke ABN: 95 434 267 382 Address: Level 1, 225 Greenhill

More information

Personal Choice Private ewrap Super/Pension

Personal Choice Private ewrap Super/Pension Personal Choice Private ewrap Super/Pension Product Disclosure Statement PART 1 General Information I 1 July 2014 PERSONAL CHOICE PRIVATE Trustee of Personal Choice Private ewrap Super/Pension and issuer

More information

PA & M Financial Advisors

PA & M Financial Advisors PA & M Financial Advisors Helping you achieve your lifestyle and financial goals Corporate Authorised Representative of Securitor Financial Group Ltd ABN 48 009 189 495 AFSL 240687 Lvl 12, 400 George Street

More information

Wealth & Planning... Financial Planning Services

Wealth & Planning... Financial Planning Services Wealth & Planning... Financial Planning Services Contents. What is financial planning? Whatever your financial goals wealth creation, retirement, investments or otherwise having a financial plan is key

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Phillip Capital Limited AFSL No. 246827 - ABN 14 002 918 247 Phillip Capital Trading Pty Ltd AFSL No. 246796 - ABN 68 066 066 911 (together Phillip Capital ) Purpose of the Financial

More information

Financial Services Guide

Financial Services Guide Financial Services Guide JLT Discretionary Trust (JDT) Arrangement MARCH 2014 About JLT The JDT Arrangement is a well-established proven alternative to standard insurance for many companies throughout

More information

Financial Services Guide

Financial Services Guide Financial Services Guide FOR YOUR QUADRANT FIRST FINANCIAL PLANNER VERSION 5 ISSUE DATE 1 JULY 2013 It is important that you understand this FSG as it is a legal document. If any part of this document

More information

Financial Services Guide for Corporate Authorised Representatives

Financial Services Guide for Corporate Authorised Representatives Financial Services Guide for Corporate Authorised Representatives March 2014 2014 Please take the time to read this document carefully as it contains important information about us, the service we provide,

More information

BT Select Portfolio SuperWrap

BT Select Portfolio SuperWrap BT Select Portfolio SuperWrap Product Disclosure Statement BT Select Portfolio SuperWrap Personal Super Plan BT Select Portfolio SuperWrap Pension Plan Dated 11 March 2013 The distributor of BT Select

More information

Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121

Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121 Accumulation 1 Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121 Inside 1. About UniSuper 2. How super works 3. Benefits of investing with UniSuper 4. Risks of super

More information

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited Super Accelerator Supplementary Product Disclosure Statement 2 April 2015 Issuer/trustee details: netwealth Investments Limited Level 8/52 Collins Street MELBOURNE VIC 3000 ABN 85 090 569 109 AFSL 230975

More information

Broadform Liability 38 P100032 PLB

Broadform Liability 38 P100032 PLB Policy Schedule www.penunderwriting.com.au Class of Insurance: Policy Number: The Insured: Address of the Insured: Broadform Liability 38 P100032 PLB Athletics Australia Australian Masters Athletics, irun,

More information

Your Guide. to the Meridian. Personal. Super Plan. Product Disclosure Statement. Issued 1 January 2004 MPS 4

Your Guide. to the Meridian. Personal. Super Plan. Product Disclosure Statement. Issued 1 January 2004 MPS 4 Your Guide to the Meridian Product Disclosure Statement Issued 1 January 2004 Personal Super Plan MPS 4 What this Guide is about MPSuper Product Disclosure Statement This Guide was prepared and issued

More information

OANDA Australia Pty Ltd

OANDA Australia Pty Ltd OANDA Australia Pty Ltd Australian Financial Services Licence No. 412981 ACN 152 088 349 FINANCIAL SERVICES GUIDE (FSG) PURPOSE AND CONTENT OF THIS FSG The financial services referred to in this Financial

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE VERSION 4.0 JULY 2014 PATRON Financial Services Pty Ltd trading as PATRON Financial Advice ABN 13 122 381 908 Australian Financial Services Licence Number 307379 All future references

More information

Financial services guide

Financial services guide Financial services guide macquarie.com.au/personal This Financial Services Guide (FSG) is an important document that Macquarie Equities Limited (MEL, we, us or our) as an Australian financial services

More information